UNITED COMMUNITY BANKS/GA (UCB) Fundamental Analysis & Valuation

NYSE:UCB • US90984P3038

Current stock price

33.25 USD
+0.36 (+1.09%)
Last:

This UCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UCB Profitability Analysis

1.1 Basic Checks

  • UCB had positive earnings in the past year.
  • UCB had a positive operating cash flow in the past year.
  • UCB had positive earnings in each of the past 5 years.
  • Each year in the past 5 years UCB had a positive operating cash flow.
UCB Yearly Net Income VS EBIT VS OCF VS FCFUCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • The Return On Assets of UCB (1.14%) is better than 66.22% of its industry peers.
  • UCB has a Return On Equity (8.74%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.14%
ROE 8.74%
ROIC N/A
ROA(3y)0.89%
ROA(5y)1.01%
ROE(3y)7.14%
ROE(5y)8.63%
ROIC(3y)N/A
ROIC(5y)N/A
UCB Yearly ROA, ROE, ROICUCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • UCB has a Profit Margin of 29.93%. This is in the better half of the industry: UCB outperforms 74.20% of its industry peers.
  • In the last couple of years the Profit Margin of UCB has grown nicely.
  • The Operating Margin and Gross Margin are not available for UCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.93%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.34%
PM growth 5Y4.33%
GM growth 3YN/A
GM growth 5YN/A
UCB Yearly Profit, Operating, Gross MarginsUCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UCB Health Analysis

2.1 Basic Checks

  • UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for UCB has been increased compared to 1 year ago.
  • The number of shares outstanding for UCB has been increased compared to 5 years ago.
  • UCB has a better debt/assets ratio than last year.
UCB Yearly Shares OutstandingUCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
UCB Yearly Total Debt VS Total AssetsUCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • The Debt to FCF ratio of UCB is 0.58, which is an excellent value as it means it would take UCB, only 0.58 years of fcf income to pay off all of its debts.
  • UCB has a Debt to FCF ratio of 0.58. This is in the better half of the industry: UCB outperforms 78.19% of its industry peers.
  • UCB has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.06, UCB is in the better half of the industry, outperforming 79.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.58
Altman-Z N/A
ROIC/WACCN/A
WACC16.95%
UCB Yearly LT Debt VS Equity VS FCFUCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UCB Yearly Current Assets VS Current LiabilitesUCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. UCB Growth Analysis

3.1 Past

  • UCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.99%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.69% on average over the past years.
  • UCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.66%.
  • Measured over the past years, UCB shows a quite strong growth in Revenue. The Revenue has been growing by 10.08% on average per year.
EPS 1Y (TTM)18.99%
EPS 3Y0.62%
EPS 5Y6.69%
EPS Q2Q%18.64%
Revenue 1Y (TTM)11.66%
Revenue growth 3Y6.1%
Revenue growth 5Y10.08%
Sales Q2Q%11.64%

3.2 Future

  • Based on estimates for the next years, UCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.77% on average per year.
  • The Revenue is expected to grow by 6.20% on average over the next years.
EPS Next Y11.36%
EPS Next 2Y9.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.54%
Revenue Next 2Y6.2%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
UCB Yearly Revenue VS EstimatesUCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
UCB Yearly EPS VS EstimatesUCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. UCB Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.79, the valuation of UCB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of UCB is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of UCB to the average of the S&P500 Index (27.50), we can say UCB is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.18, the valuation of UCB can be described as reasonable.
  • UCB's Price/Forward Earnings is on the same level as the industry average.
  • UCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.62.
Industry RankSector Rank
PE 11.79
Fwd PE 10.18
UCB Price Earnings VS Forward Price EarningsUCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of UCB indicates a somewhat cheap valuation: UCB is cheaper than 63.56% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.16
EV/EBITDA N/A
UCB Per share dataUCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)1.76
EPS Next 2Y9.77%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. UCB Dividend Analysis

5.1 Amount

  • UCB has a Yearly Dividend Yield of 3.01%. Purely for dividend investing, there may be better candidates out there.
  • UCB's Dividend Yield is a higher than the industry average which is at 2.57.
  • UCB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.01%

5.2 History

  • The dividend of UCB is nicely growing with an annual growth rate of 6.38%!
  • UCB has been paying a dividend for over 5 years, so it has already some track record.
  • UCB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)6.38%
Div Incr Years6
Div Non Decr Years6
UCB Yearly Dividends per shareUCB Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • UCB pays out 38.73% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of UCB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.73%
EPS Next 2Y9.77%
EPS Next 3YN/A
UCB Yearly Income VS Free CF VS DividendUCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M
UCB Dividend Payout.UCB Dividend Payout, showing the Payout Ratio.UCB Dividend Payout.PayoutRetained Earnings

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UCB Fundamentals: All Metrics, Ratios and Statistics

UNITED COMMUNITY BANKS/GA

NYSE:UCB (4/23/2026, 10:08:07 AM)

33.25

+0.36 (+1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21
Earnings (Next)07-21
Inst Owners88.48%
Inst Owner ChangeN/A
Ins Owners0.44%
Ins Owner Change9.54%
Market Cap3.98B
Revenue(TTM)1.06B
Net Income(TTM)318.18M
Analysts72.73
Price Target38.76 (16.57%)
Short Float %2.92%
Short Ratio3.96
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly Dividend1.03
Dividend Growth(5Y)6.38%
DP38.73%
Div Incr Years6
Div Non Decr Years6
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.67%
Min EPS beat(2)-1.31%
Max EPS beat(2)6.65%
EPS beat(4)3
Avg EPS beat(4)3.96%
Min EPS beat(4)-1.31%
Max EPS beat(4)6.65%
EPS beat(8)6
Avg EPS beat(8)5.23%
EPS beat(12)7
Avg EPS beat(12)1.13%
EPS beat(16)7
Avg EPS beat(16)-0.64%
Revenue beat(2)2
Avg Revenue beat(2)0.93%
Min Revenue beat(2)0.76%
Max Revenue beat(2)1.11%
Revenue beat(4)2
Avg Revenue beat(4)-0.07%
Min Revenue beat(4)-1.46%
Max Revenue beat(4)1.11%
Revenue beat(8)2
Avg Revenue beat(8)-3.11%
Revenue beat(12)2
Avg Revenue beat(12)-4.79%
Revenue beat(16)4
Avg Revenue beat(16)-3.63%
PT rev (1m)1.79%
PT rev (3m)7.29%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)1.96%
EPS NY rev (1m)0.86%
EPS NY rev (3m)3.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.28%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.97%
Valuation
Industry RankSector Rank
PE 11.79
Fwd PE 10.18
P/S 3.74
P/FCF 11.16
P/OCF 10.36
P/B 1.09
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)2.82
EY8.48%
EPS(NY)3.27
Fwd EY9.82%
FCF(TTM)2.98
FCFY8.96%
OCF(TTM)3.21
OCFY9.65%
SpS8.88
BVpS30.4
TBVpS22.32
PEG (NY)1.04
PEG (5Y)1.76
Graham Number43.9215 (32.09%)
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 8.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.93%
GM N/A
FCFM 33.53%
ROA(3y)0.89%
ROA(5y)1.01%
ROE(3y)7.14%
ROE(5y)8.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.34%
PM growth 5Y4.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.58
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC16.95%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.22%
Cap/Sales(5y)4.84%
Profit Quality(3y)119.41%
Profit Quality(5y)139.08%
High Growth Momentum
Growth
EPS 1Y (TTM)18.99%
EPS 3Y0.62%
EPS 5Y6.69%
EPS Q2Q%18.64%
EPS Next Y11.36%
EPS Next 2Y9.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.66%
Revenue growth 3Y6.1%
Revenue growth 5Y10.08%
Sales Q2Q%11.64%
Revenue Next Year6.54%
Revenue Next 2Y6.2%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.76%
FCF growth 3Y-14.21%
FCF growth 5Y20.51%
OCF growth 1Y9.81%
OCF growth 3Y-14.17%
OCF growth 5Y19.34%

UNITED COMMUNITY BANKS/GA / UCB Fundamental Analysis FAQ

What is the fundamental rating for UCB stock?

ChartMill assigns a fundamental rating of 4 / 10 to UCB.


Can you provide the valuation status for UNITED COMMUNITY BANKS/GA?

ChartMill assigns a valuation rating of 5 / 10 to UNITED COMMUNITY BANKS/GA (UCB). This can be considered as Fairly Valued.


What is the profitability of UCB stock?

UNITED COMMUNITY BANKS/GA (UCB) has a profitability rating of 4 / 10.


What is the valuation of UNITED COMMUNITY BANKS/GA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNITED COMMUNITY BANKS/GA (UCB) is 11.79 and the Price/Book (PB) ratio is 1.09.


Can you provide the dividend sustainability for UCB stock?

The dividend rating of UNITED COMMUNITY BANKS/GA (UCB) is 7 / 10 and the dividend payout ratio is 38.73%.